Car Insurance in Idaho
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In Idaho, drivers' costs, the legal minimum and who offers the lowest prices are covered.
- Full coverage averages $91 each month.
- The minimum required liability limits are 25/50/15.
- Most expensive state ranking: 47th of 51 (1st = highest).
How much does car insurance cost in Idaho?
For full coverage, the average Idaho driver pays $1,086 each year, or about $91 monthly. Policies that carry only the legal minimum average $519 a year. This figure is 33% below the US yearly average of $1,613.
| Coverage in Idaho | Per year | Per month |
|---|---|---|
| Liability | $519 | $43 |
| Collision | $369 | $31 |
| Comprehensive | $198 | $16 |
| Full coverage (all three) | $1,086 | $91 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The legal minimum for Idaho
For Idaho's 25/50/15 minimum liability, the per-person limit is $25,000. One crash has a $50,000 total for everyone hurt. Other people's property damage is limited to $15,000.
Idaho applies at-fault rules. A driver who causes a crash pays through liability cover.
You don't have to carry uninsured motorist cover, although insurers must offer it in most states.
Source: Idaho Department of Insurance, Required Auto Coverage.
How many drivers in Idaho have no insurance?
In 2023, about 6% of Idaho drivers lacked car insurance. That was the 49th highest share out of 51. If an uninsured driver hits you, this cover pays your bills.
Learn more about car insurance in Idaho
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